Add your accounts and debts once, update the balances when you like, and watch one number move over time. Checking, savings, a 401(k) or IRA, student loans, a car loan and credit cards, all in dollars.
Example: net worth
Own minus owe
An illustration. Amounts are made up.
In short
NetWorth+ is a free net worth tracker app for iPhone and Android. You add each account and debt with its balance, from checking and savings to a 401(k), IRA, student loans and credit cards, and NetWorth+ adds them into one net worth figure and charts it over time. It never connects to your bank: you update balances yourself, import a CSV from your bank, or let the transactions you add move them. Pro adds a five-year projection and unlimited accounts.
Bank login
Never asked for
History
Charted day by day
Accounts
5 free, unlimited with Pro
Price
Free. Pro $49.99 a year
The basics
Net worth is what you own minus what you owe. The hard part is remembering everything on both sides.
A home and a car are assets too, and many people leave them out to keep the figure about money they can actually reach. Either way works if you stay consistent, so the change from one month to the next means something.
How it works
Add each account and debt once, with today's balance. NetWorth+ totals what you own and what you owe into one net worth.
Your balances are recorded every day, so the chart shows the trend over months, not just where you are today.
When a figure drifts from your bank, enter the real balance. NetWorth+ starts from it, so you do not have to hunt for the missing transaction.
A five-year projection in cautious, expected and optimistic bands, based on your own history.
Compared
| A spreadsheet | A bank-linked app | NetWorth+ | |
|---|---|---|---|
| Works without your bank login | Yes | No | Yes |
| Updates itself from your bank | No | Yes | No |
| Net worth history chart | If you build one | Yes | Yes |
| Budgets and shared bills in the same place | No | Usually budgets | Yes |
| Price | Free | Often a subscription | Free. Pro $49.99 a year |
A spreadsheet is free and completely yours, and some people prefer it. Bank-linked apps update themselves. NetWorth+ sits between the two: no bank login, but a chart, a history and budgets without building anything.
Getting started
Add checking, savings, retirement and investment accounts with today's balances.
Add credit cards and loans as debts, with what you owe today.
Once a month is enough for most people. Transactions you add move the balances in between.
Everything most people need to track their money.
or $49.99 a year
Yearly works out cheaper.
Sign in with the account you use in the app. Cancel any time.
US prices, checked October 2026. Prices in every country
Questions
Free on iPhone and Android. No ads, and your data is never sold.
Android and iPhone. No bank login. No ads.